Allstate Claims Office Locations & Hours Near Baltimore, MD -
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By: Kris J.
Melissa Garland: Allstate Insurance
They are so much help and will do anything to help you in your time of need. They saved me so much money when I bundled my home and auto and boat.
By: Yajuan G.
Cincinnat Ins Company
It will take them forever to solve you claim. My adjustor is Jennifor Fora, whose phone number is 4432916311. She never answers my calls after she realized that they need to pay to repair my car. I don't think she knows what responsibilities are. Or it is the culture and belief of the Cincinnat Insurance that they are only friendly when you need to buy their insurance, but will turn their back when you need their help. Based on my experience with Jennifer Fora, they are horrible. I wish I could give them -100 stars.
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By: Ed Y.
Senate Select Insurance
Ricky and Erica are great to work with and treat me with respect.
By: Jason P.
Charles Connolly - Farmers Insurance
Chuck Connolly is a “go-to” resource for new business owners! He has the patience and experience to walk you through all of your coverage needs. He is also my first call for hard to place policies, like vacant houses.
By: bernard.long2
John Basmajian Insurance
John and Brendan are the nicest and most knowledgeable Medicare experts I know. Their expertise and genuine concern about the client earns them my wholehearted endorsement. Bernard Long/Investment Advisor
By: stilltrying
Helping Other People Through Impowerment Inc
This place has the most unprofessional people working there. And they treat the clients poorly; the executive director gets away with inappropriate behavior towards staff and clients, quite often. PLEASE STAY AWAY FROM THIS PLACE.
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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